Routing NumberAddressCityState
1031207830SUITE 120 SMT. LAURELNJ
2051409595P.O. BOX 1561LEXINGTONVA
3053112314P.O. BOX 8189WILSONNC
4061092332SUITE 100ATLANTAGA
101010149539120 W. 135TH STOVERLAND PARKKS
11103112329P O BOX 169WATONGAOK
12104103421PO BOX 69YORKNE
13104104750PO BOX 69YORKNE
14104113709PO BOX 69YORKNE
15104900349PO BOX 69YORKNE
16104907960PO BOX 69YORKNE
17104908163PO BOX 69YORKNE
19304987298PO BOX 69YORKNE

What is an ACH Routing Number?

An ACH routing number is a 9-digit code that identifies the financial institution from which a payment will be electronically withdrawn or deposited. It allows for the transfer of money between banks in the US.

Definition of an ACH Routing Number

Also known as an ABA routing number or routing transit number, an ACH routing number is assigned by the American Bankers Association and follows a specific format. The first 4 digits identify the federal reserve bank. The next 4 digits identify the bank itself. The last digit is a checksum number that validates the routing number.

Purpose of an ACH Routing Number

ACH routing numbers serve to route payments between banks accurately and efficiently. They allow money to be electronically transferred for purposes like:

  • Direct deposit of paychecks
  • Automatic bill payments
  • Business-to-business payments
  • Tax refunds
  • Government benefits

How ACH Routing Numbers Work

When you set up a payment in the ACH network, you provide your banking details including the account number and routing number. This information follows the payment through the ACH channels to allow the money to be deposited into the correct account.

ACH routing numbers help prevent errors and ensure payments end up where intended quickly. The numbers create a reliable, secure pathway for electronic payments.

About Cornerstone Bank’s ACH Routing Number

Cornerstone Bank is a community bank that provides banking services to consumers and businesses in South Carolina. They have one main ACH routing number for electronic payments.

Overview of Cornerstone Bank

Founded in 2006, Cornerstone Bank operates in South Carolina with its headquarters in Columbia. They have 11 branch locations across the state.

Cornerstone Bank offers personal, business, mortgage, and electronic banking services. They provide checking and savings accounts, loans, credit cards, online bill pay, mobile banking, and more.

Cornerstone Bank’s ACH Routing Number

The ACH routing number for Cornerstone Bank is 061092332.

This 9-digit number should be used for setting up direct deposits or electronic payments to and from Cornerstone Bank accounts. Using this bank routing number helps ensure transactions are processed quickly and accurately.

Using Cornerstone Bank’s Routing Number for Direct Deposits and Payments

When signing up for direct deposit of your paycheck or government benefits to a Cornerstone Bank account, you will need to provide their routing number. This allows the funds to be deposited electronically into your account on each payment date.

You’ll also need Cornerstone Bank’s routing number when setting up automatic bill payments from your Cornerstone account. Providing it will route the payment properly through the ACH network.

How to Find a Bank’s ACH Routing Number

If you need to locate the routing number for your bank or any other financial institution, here are a few ways to find it:

Looking on the Bank’s Website

Most bank websites have a page that provides the routing number. It may take some digging but is often under “Contact Us” or account information sections.

Checking Your Bank Account Documentation

Your bank account paperwork likely lists the routing number. It may be on your checks, account statement, or opening docs.

Contacting the Bank Directly

You can call or visit your local branch to ask for the routing number. A customer service representative can provide it.

Using the Federal Reserve Financial Services Website

The Federal Reserve has a “Routing Number Lookup” tool to find ABA routing numbers. You can search by bank name, location and more.

FAQs about ACH Routing Numbers

  • Are all routing numbers the same length? Yes, all ACH routing numbers contain 9 digits.
  • Can I have more than one routing number at a bank? Yes, large banks may have multiple routing numbers but most people will use one main number.
  • Where do I enter the routing number for payments? When setting up direct deposit or automated payments, you’ll be asked to input the routing number associated with your bank account.
  • What happens if I use the wrong routing number? If you provide an incorrect routing number, the payment or deposit will likely be rejected and not processed.
  • Who assigns routing numbers? Routing numbers are assigned by the American Bankers Association and administered by the Federal Reserve. Banks cannot randomly generate them.

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